Missing the boat If you could make 7% on your investments for doing relatively little, would you take that deal? No, I am not going to try and sell you a newsletter with a get rich quick scheme, but I know the answer to my question is a loud and enthusiastic YES! From Jan 1,...Read More

Being right all the time is hard, actually it’s impossible 1 out of 10 active managers beats the overall index, and the best part…. That one manager changes all the time. There aren’t a few people out there who just consistently can beat the markets over and over the way Tom Brady goes to Superbowls...Read More

By Kevin Kelly Portfolio Manager Many fixed income investors with traditional investment-grade bond portfolios were likely disappointed by their performance in 1Q’21. This is understandable, because for the 5 years through 2020, the average annual investment-grade bond returned over 6.5%, whereas in 1Q, that return was -4.6%. Investors may not appreciate that the average investment-grade...Read More

Why is plywood so expensive? Home Depot is always a fun trip for a dad, but lately some of the joy has been taken away when I look at the prices. Inflation is alive and well, and I felt it when trying to buy lumber this weekend. Of course, being a financial planner, I made...Read More

By Charles Lieberman Chief Investment Officer The economy is now in full sprint, after being “Off to the Races”, as we wrote a month ago.  Payroll jobs surged by 1.07 million in March, including upward revisions to prior months, and additional mega-sized jobs gains are likely in the coming months, as vaccinations continue to roll...Read More

By Jeff Deiss CFP, AEP, Wealth Advisor We’ve written about Health Savings Accounts in the past, which you can reference here and here.  An HSA is a great way to create a nest egg for healthcare expenses in retirement. The basics are that HSA account holders can contribute up to $3,600 individually or $7,200 as a family for...Read More

Anything for our children Having two young children I have fallen into a trap that I used to think was impossible for a Certified Financial Planner® to get caught up in. I don’t necessarily spend to much on them, but I am more willing to spend on them without weighing the costs vs the value...Read More

One year since the bottom Did my headline work? Are you reading because a few simple words elicited an emotional response that you didn’t even realize was happening? Well get ready, because this week will be a media frenzy with somber music being played over montages of photos of the past year flashing across the...Read More

By ACM Wealth ACM Wealth Administrator Congress will have the opportunity to press forward with their proposed changes to the tax laws. This could potentially be the first major tax hike since 1993. Such changes would likely come into effect in 2022, but there remains the possibility that some could be made retroactive to earlier...Read More

By Kevin Kern Founding Partner Long before the November 2020 vaccine announcements greed already had a strong hold on investor fear.   Investors who were paralyzed in the spring had already put their mortality aside by summer and began to bet on pandemic perfect businesses such as ecommerce, gambling, cloud and online streaming. As some investors...Read More